Affordable car insurance in Toronto

Cheap car insurance in Toronto? How about over $500 cheaper with personalized premium coverages?

The best car insurance in Toronto

The consumer price index (CPI) measures the average cost of everything a Canadian would spend money on over the course of a year, including car insurance. Toronto, not surprisingly, has one of the highest CPI scores. 

Over 20 years, Toronto’s CPI jumped from 95 to 140.3 (by comparison, Canada’s CPI as a whole went to 136.4 in that time frame). That means everything costs 4 percent more in Toronto. And according to CTV News, car insurance in Toronto far eclipses that ratio with a 9.7 percent increase in just the last three years.

Today, car insurance rates in Toronto are some of the most expensive in the province — nine of the top 10 least-affordable areas for car insurance can be found within the GTA.

This trend has woken many people in Toronto up to what they’re paying for car insurance, what they’ll be paying in the future, and how to cut some of those costs. While the provincial average is between $1,500 and $1,700 per year, Toronto drivers spend around $2,900 on car insurance. 

Finding cheap car insurance in the city is almost as necessary as your car itself. Go online with Onlia and begin saving today!

Switch to Onlia in 3 easy steps

  • Get a quote online in just a few minutes

    Fill in a few details to see your price. Checkout, and be covered as soon as the next day.

  • Customize your coverage & see your discounts

    Adjust your coverage based on your needs, and see how much you save with our instant discounts.

  • Manage your insurance online, anytime

    Log into My Account to make changes to your policy. No phone calls required.

Car insurance coverage in Toronto

It’s the law in Ontario to have basic car insurance. Every Onlia car insurance policy comes with what’s provincially mandated, and drivers can elevate their coverage by adding more protection to suit their needs.

Coverage from Onlia

*Mandatory in Ontario

Direct Compensation*
Accident Benefits*
Third Party Liability*
Uninsured Driver*
Rental Car
Accident Forgiveness
Free for eligible drivers
Ticket Forgiveness
Free for eligible drivers

Discounts on car insurance you can't live without

Thinking about getting another car? About to retire? Onlia’s car insurance discounts can help you save no matter where you are along life’s journey.